Search found 3900 matches

by hsv_climber
Fri Feb 24, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420130

Re: What's Your Credit Card Rewards Strategy?

My general recommendation to Bogleheads readers of this thread is to regularly review three to six travel/credit cards/rewards blogs. They provide you with the latest news and contain useful information you did not seek. My regular go-to blogs are: m m m m m m I do NOT read everything. I scan title...
by hsv_climber
Sun Jan 17, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 162
Views: 21544

Re: Large amount of CDs maturing....what to do?

protagonist wrote:One other question....
Can seniors do withdrawals penalty-free, as is the case with Penfed IRA certificates and some others?


Sorry, I don't know. I am not a senior and have not researched this issue.
by hsv_climber
Sun Jan 17, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 162
Views: 21544

Re: Large amount of CDs maturing....what to do?

Questions: ⋅ Did you find the IRA transfer easy to do? Were you able to do it completely online, or with a bare minimum of emails (e.g., to email picture of ID and signed IRA application)? Or was their some hard-copy mailing required? ⋅ Did you ask for and receive a guarantee th...
by hsv_climber
Sat Jan 16, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 162
Views: 21544

Re: Large amount of CDs maturing....what to do?

Personally, in taxable, I've also been buying 20-year can-not-touch-your-money 3.5% tax-deferred bonds, fully backed by US government.
by hsv_climber
Sat Jan 16, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 162
Views: 21544

Re: Large amount of CDs maturing....what to do?

But I'm getting sidetracked....I suppose because I can identify with both of your sentiments. Back to CD's. If anybody finds a better offer please let me know. Thanks. I have not replied earlier, because I saw that you were only looking for CDs in taxable, but since this thread has started discussi...
by hsv_climber
Mon Nov 09, 2015 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 314713

Re: Mango prepaid card - 4.8% (effective) APY

nanoanalyzer wrote:Per person, but be careful about using a joint account for transfers. More info on that in the fwf thread...


I've read about using joint accounts for transfers and I've thought that it is only for Mango.
Is Netspend / Brinks having the same issue?
by hsv_climber
Mon Nov 09, 2015 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 314713

Re: Mango prepaid card - 4.8% (effective) APY

nanoanalyzer wrote:
achen9291 wrote:The limit is still 5 accounts?

Yes. Some folks have gotten away with 6. Luck of the draw, really.


Is the limit per person or per household? Can myself and wife open 5 accounts each?
by hsv_climber
Sat Nov 07, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 14120

Re: Best Use of Ultimate Rewards Points

About United...United economy is 30,000 one-way + ~$80 anywhere in Western Europe. Price is about the same on a return ticket. So, you'd pay 60,000 UR (or United) points + ~$160 on a round-trip ticket to nearly any airport in Western Europe (there are few exceptions, such as higher London taxes) at ...
by hsv_climber
Sat Nov 07, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 14120

Re: Best Use of Ultimate Rewards Points

I just would like to add about Southwest booking with points. Not only you can get your points back, but it is also extremely useful for getting the best value out of your points by re-booking the same flight. For example, you'd buy a one-way ticket from Point A to Point B on Aug. 10 for a flight on...
by hsv_climber
Mon Aug 24, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: What to do now with market crash?
Replies: 59
Views: 10211

Re: What to do now with market crash?

Vanguard is taking care of its clients by prohibiting them to do anything about it, since Vanguard website keeps crashing...
by hsv_climber
Thu Jul 09, 2015 10:13 am
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 3525

Re: Is it a good idea to travel to Western Europe with kids?

Btw, if one goes to e.g. London or Berlin and spends most time in museums, the savings in entrance fees will pay for at least one plane ticket, compared to doing the same in the US (other than DC). That is not correct. There are many great free museums in US outside DC. For example, check out St. L...
by hsv_climber
Wed Jul 08, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 3525

Re: Is it a good idea to travel to Western Europe with kids?

I guess I am not following that if you went to Europe you would want to do the museums/architecture etc. but if stateside it would be a hiking vacation? Pretty much . We've already been to Alamo / Mission trail couple of years ago. Thanks to ASTC membership, we've been to many science centers acros...
by hsv_climber
Wed Jul 08, 2015 1:24 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 3525

Re: Is it a good idea to travel to Western Europe with kids?

Have you thought about someplace like Tokyo instead? . It is an interesting idea. But we live in the Southeast, so I am guessing that travel time to Tokyo would be ~24+ hrs each way. That is a big deal, considering that we don't typically have too many days, since our plans are bounded by school ca...
by hsv_climber
Wed Jul 08, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 3525

Re: Is it a good idea to travel to Western Europe with kids?

Have they been to NYC, DC recently? Did they enjoy it? Alternative to NPs could be cities here in the US. Never been to NYC. Spent a week in DC <2 years ago. They did not really like any of the Art museums, but had a good time in Air & Space (~8 hrs.), History, Newseum (also spent ~8hrs. there)...
by hsv_climber
Wed Jul 08, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 3525

Is it a good idea to travel to Western Europe with kids?

Trying to figure out either it is a good idea or not to take a family to Western Europe next Spring break (kids will be almost 13 and 8.5). We have never been there, so specific country is not that important, so it could be London or Paris or London + Paris or Barcelona/Spain or Rome / Florence. Ire...
by hsv_climber
Thu May 29, 2014 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 5431

Re: Would you work without pay?

Why can't we just call it "volunteer"?

Many of us have done volunteering in the past and plan to do it in the future.
by hsv_climber
Wed May 14, 2014 7:27 pm
Forum: Investing - Theory, News & General
Topic: Intermediate bond fund yields are getting ridiculous
Replies: 20
Views: 2978

Re: Intermediate bond fund yields are getting ridiculous

10 year brokerage CDs (FDIC insured) are 3+% and provide a good alternative.
by hsv_climber
Mon Mar 03, 2014 2:04 pm
Forum: Investing - Theory, News & General
Topic: Timing Russian stocks right now
Replies: 22
Views: 1799

Re: Timing Russian stocks right now

Politics aside, lets not forget about possible economic sanctions that can be implemented against Russian companies in the near future. Gazprom is probably immune right now and might even make extra $$ due to rising natural gas prices in Europe, but other Russian companies may suffer and I have no i...
by hsv_climber
Mon Mar 03, 2014 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Good Russian ETF
Replies: 15
Views: 2004

Re: Good Russian ETF

I wish I could sell all Russian holdings from my VWO investments, but I don't know how.
by hsv_climber
Thu Jan 30, 2014 12:26 pm
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 47544

Re: New PenFed CD rates!

I've called PenFed regarding my Edu IRA that I've sent paperwork on Monday.
CSR said that they are 7-days behind on processing IRA paperwork, but will honor Jan. rate for the paperwork received in Jan.
by hsv_climber
Tue Dec 31, 2013 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 6179

Re: Credit Card Bonuses

I understand about buying the gift cards - I have done that, but that still doesn't explain how you can avoid spending money using credit card #2 which also has some sort of spending requirement in the first 3 months. Not sure what you mean by CC # 2. But here it is in a nutshell - you apply for Ch...
by hsv_climber
Tue Dec 31, 2013 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 6179

Re: Credit Card Bonuses

One thing I know you can do (if you go to the right stores), is buy them on one CC and return them on another CC. I've done this at a few stores, but mostly because my wife buys it on her Amex and I return it on my Amex. You could churn through $11k pretty quickly that way, but some stores will pro...
by hsv_climber
Tue Dec 31, 2013 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 6179

Re: Credit Card Bonuses

ieee, there is no reason to become defensive. Yes, it is easy to spend any amount of money without actually spending much money ( I won't write how on the public forum). It is also very easy to push spending into future months. For example, you could buy an AMEX Gift Card using your new Chase card a...
by hsv_climber
Tue Dec 31, 2013 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 6179

Re: Credit Card Bonuses

I believe only active accounts are counted against your "average age" credit score metric. So, canceling them doesn't really hurt, it is all the inquiries. Make sure you keep 1-2 old fee free cards to increase your account age. All accounts count against your "average age". The ...
by hsv_climber
Tue Dec 31, 2013 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 6179

Re: Credit Card Bonuses

I did the $400 Chase Sapphire last January and just did the $400 Barclay card offer last month. Agreed, needs to be $400+ for me in cash or statement credits. If I waited for a $400 card, I'd be waiting forever. You and THY4373 are indeed very special individual. Where can you find a Chase Sapphire...
by hsv_climber
Mon Dec 23, 2013 3:20 pm
Forum: Investing - Theory, News & General
Topic: [Are there any] Billionaire Boglehead!!!
Replies: 49
Views: 5494

Re: Billionaire Boglehead!!!

What if you are a Boglehead - three fund port or a slice-and-dicer with perhaps no more than 6-8 funds - and also fairly frugal. You hit one of the really Powerball or Megabucks jackpots and end up with, let's say, a $50M lump-sum after taxes. One of the rules to win a lottery is to buy a ticket, w...
by hsv_climber
Mon Dec 23, 2013 10:23 am
Forum: Personal Consumer Issues
Topic: Gas mileage quiz
Replies: 57
Views: 4119

Re: Gas mileage quiz

Correct answer is D, since the option of driving 0 miles / year every year is not excluded by the question.
by hsv_climber
Fri Dec 13, 2013 9:49 pm
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 56
Views: 9652

Re: Porter Stansberry advising going to 100% cash - Help!

Below is the best advice for your friend. Either he will follow it or not is up to him. What`s an investor to do? This is your answer -- whether bullish or bearish: The Boglehead Philosophy: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Nev...
by hsv_climber
Mon Dec 09, 2013 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Convert from Coverdell to 529: state deduction allowed?
Replies: 5
Views: 599

Re: Convert from Coverdell to 529: state deduction allowed?

It worked for me in AL. It worked for EmergDoc in UT.

One thing to watch out for is "earnings". I could not get it resolved, so 100% of my conversion went into "earnings". It is tricky and I don't have a solution for this.
by hsv_climber
Fri Dec 06, 2013 7:24 pm
Forum: Personal Consumer Issues
Topic: Extreme Cheapskates
Replies: 25
Views: 3912

Re: Extreme Cheapskates

VictoriaF wrote:I must point out that that Victoria is not me.

(different) Victoria


I am guessing that it is this Victoria: http://www.early-retirement.org/forums/ ... 61956.html
by hsv_climber
Thu Dec 05, 2013 1:53 pm
Forum: Personal Consumer Issues
Topic: Permits for kitchen remodel
Replies: 17
Views: 2085

Re: Permits for kitchen remodel

I bet that all this info is State / County - specific.
by hsv_climber
Mon Dec 02, 2013 12:13 pm
Forum: Investing - Theory, News & General
Topic: of bitcoins, money & Byzantium
Replies: 78
Views: 6443

Re: of bitcoins, money & Byzantium

If bitcoins are not really exchanged to the real $$$ then there is no reason why the size of the bitcoin market won't grow larger than the size of the world (or Universe) GDP.

Of course, it will burst the moment that some players will decide to cash in.
by hsv_climber
Tue Nov 19, 2013 1:38 pm
Forum: Investing - Theory, News & General
Topic: Bubble bitcoins... $300 -> $800 in 10 days
Replies: 27
Views: 2804

Re: Bubble bitcoins... $300 -> $800 in 10 days

Very good article about bitcoins: m That is the way to make money: In December 2012, Tom, a husband and father with a heavy load of student-loan debt, applied for a $30,000 interest-free loan from a credit card company. Over the next month, he used the entire sum to buy up a hoard of the nearly five...
by hsv_climber
Tue Nov 19, 2013 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is a credit card annual fee worth it sometime?
Replies: 21
Views: 3062

Re: Is a credit card annual fee worth it sometime?

Check out the Blue Cash Preferred from AMEX...probably the best deal out there. $75 annual fee 6% cash back at Supermarkets 3% cash back for gas and Dept Stores 1% cash back on everything else For us, card easily pays for itself in one month of use. It is not 6% @ Supermarkets. It is 6% at the stan...
by hsv_climber
Fri Nov 15, 2013 2:59 pm
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 331
Views: 34856

Re: Shiller P/E 10 hits 25

Profits have shot up since 2000. There was a hiccup in 2009, then back to meteoric rise. That looks unusual. What happened in 2000 that allowed profits to take off like that? There is a possible explanation that data is messed up in your charts, i.e. we are not looking at the correct data. Here is ...
by hsv_climber
Tue Oct 29, 2013 7:56 pm
Forum: Investing - Theory, News & General
Topic: I bonds: October or November?
Replies: 29
Views: 4360

Re: I bonds: October or November?

I agree with discman017. It is an interesting logic. Yes, it is definitely makes sense to wait till Nov.1 if we expect inflation to be higher in the future. ( BTW, with the current rate of 1.2% (or whatever it is), the difference between Oct 30 and Nov. 1 is $10 on $10,000 purchase. ) So, here is a ...
by hsv_climber
Wed Oct 23, 2013 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: can I afford X?
Replies: 38
Views: 2759

Re: can I afford X?

Can I afford not to have X?

Sometimes answering a slightly modified question or a series of related questions can lead to a better answer.
by hsv_climber
Tue Oct 15, 2013 2:52 pm
Forum: Investing - Theory, News & General
Topic: Shiller PE10 too low now -- should be 29
Replies: 8
Views: 1288

Re: Shiller PE10 too low now -- should be 29

Hussman has turned bullish last month when he predicted that this market will have ": the possibility of a short-lived but spectacular speculative blowoff".
http://www.hussmanfunds.com/wmc/wmc130923.htm

Of course, some people believe in this noise and think that this time is different.
by hsv_climber
Tue Oct 15, 2013 10:22 am
Forum: Investing - Theory, News & General
Topic: Is AAPL reliving the past???
Replies: 7
Views: 1053

Is AAPL reliving the past???

Apple (AAPL) Hires Burberry CEO Angela Ahrendts to Oversee Retail Stores. m Starting in the spring, Ahrendts, 53, will report directly to Apple CEO Tim Cook and will oversee the company's online and retail stores Again, N2 in Apple is a former CEO of a marketing / fashion company. Apple is back to 8...
by hsv_climber
Mon Oct 14, 2013 12:59 pm
Forum: Personal Consumer Issues
Topic: Living on $5,000 a year
Replies: 28
Views: 3612

Re: Living on $5,000 a year

Yes. Not that I am proud, but I did without health insurance (and some other far more embarrassing things) for the year. I owned a car but it was parked for over 13 months in my garage, I biked or walked 100% of the time (even in the crazy Houston rain). I was fortunate to be only a few blocks from...
by hsv_climber
Mon Oct 14, 2013 12:35 pm
Forum: Personal Consumer Issues
Topic: Can't seem to spend money on myself, guilty feelings
Replies: 34
Views: 3822

Re: Can't seem to spend money on myself, guilty feelings

"Spending on things" vs "spending on experience" is a very questionable debate. For example, anyone can search this forum and find Victoria's post on how she boasts about her new REI backpack. Sure, it could be argued that she has bought it to improve her future "experiences...
by hsv_climber
Mon Oct 14, 2013 12:05 pm
Forum: Personal Consumer Issues
Topic: Living on $5,000 a year
Replies: 28
Views: 3612

Re: Living on $5,000 a year

stoptothink wrote:I lived off ~$10k in '12 (final year of my PhD), $7200 of that was rent.


Does this number includes medical/dental insurance and car/bike/etc. amortization that has happened during that year?
by hsv_climber
Mon Oct 14, 2013 11:24 am
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 36476

Re: Government Shutdown/Default [effect on investments]

gerrym51 wrote:market will tank on monday.


Currently down by 0.2%... Truly scary drop.
by hsv_climber
Thu Oct 10, 2013 8:47 am
Forum: Investing - Theory, News & General
Topic: Surprising GNMAs
Replies: 26
Views: 2976

Re: Surprising GNMAs

Lets not forget that GNMA and TBM share ~24% of their portfolios, i.e. ~24% of TBM is in Mortgage-backed securities. That is a big chunk that might be responsible for the high correlation.
by hsv_climber
Thu Oct 10, 2013 8:41 am
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 2407

Re: Programming Linux

Why would you want for a 12-year old to start with advanced programming? Programming Linux really mean OS-specific programming.

IMHO, the best place to start for a 12-year old would be either khan academy (yes, they do have a programming section) or Python programming for kids ( http://inventwithpython.com/ ).
by hsv_climber
Wed Oct 09, 2013 3:40 pm
Forum: Investing - Theory, News & General
Topic: What will happen to BND if US default?
Replies: 19
Views: 2314

Re: What will happen to BND if US default?

Considering that yield on US bonds did not rise in Oct. despite all the talks, we should assume that collective market wisdom does not believe that anything bad should happen to BND. OTOH, I am surprised that stock market has not lost more than it did. Unlike bonds, stocks have real danger, since al...
by hsv_climber
Wed Oct 09, 2013 2:17 pm
Forum: Investing - Theory, News & General
Topic: What influence does China have with US debt?
Replies: 6
Views: 668

Re: What influence does China have with US debt?

Statement is false.
Selling debt cheap won't devalue $.

BTW, I will be more than happy to be on the other side of that trade :-).
by hsv_climber
Thu Oct 03, 2013 12:46 pm
Forum: Personal Consumer Issues
Topic: Shutdown is affecting my Grand Canyon trip! Backup plan??
Replies: 35
Views: 4002

Re: Shutdown is affecting my Grand Canyon trip! Backup plan?

Rob, You are seriously underestimating the beauty of UT / AZ / NV state parks. They are as beautiful as National Parks in the area, but much less crowded. Even with the shutdown, there will be less people in the State Parks than you would've seen in Zion. To see it for yourself, just type in the nam...
by hsv_climber
Wed Oct 02, 2013 1:06 pm
Forum: Personal Consumer Issues
Topic: Shutdown is affecting my Grand Canyon trip! Backup plan??
Replies: 35
Views: 4002

Re: Shutdown is affecting my Grand Canyon trip! Backup plan?

There are many wonderful State Parks in UT / AZ / NV that are as beautiful as National Parks.

Just to name a few: Red Rocks, Valley of Fire, Snow Canyon, Cathedral Gorge, etc....
And then around Page, AZ, you've got Antelope Canyon and Horseshoe Canyon.
by hsv_climber
Wed Oct 02, 2013 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Be Gone
Replies: 11
Views: 2251

Re: Bond Be Gone

Here are the last few years foo VFINX: 2013 +20.73% so far 2012 +13.45% 2011 -0.03% 2010 +12.82% 2009 +23.56% 2008 -38.52% Too many good years there. There's got to be some payback eventually. This is not a good time to be adding U.S. stocks and going 100% Of course, it is hard to predict market cy...